Hi, My wife took out a loan with Northern Rock in April 2004 which also included PPI. Two things are bothering me, 1. Before my wife took out the loan she had been in and out of hospital and has a medical condition Begnin Intercranial Hypertension (BIH). So I don't know if she would have been able to make a claim. 2. We decided to pay off the loan earlier by consolidating and when we got the letter from Northern Rock with a final payment figure we were gobsmacked as it was more than we'd borrowed and I think it had something to do with the PPI. Unfortunately we no longer have any paperwork for Northern Rock except for the Lloyds statement showing the money going into my wifes bank account. How can I go about persuing this and finding out if we have a case against Northern Rock for misselling PPI. I obviously need to write to Northern Rock, but I don't have any details except the date the loan was paid into account and the amount. Any information would be very grateful; Thanks in advance p

Its all over... We got all the money we were claiming deposited yesterday. I am now going to write to the court and cc Lloyds solicitors to stop the claim\proceedings. We're are so relieved... Thanks for everyone for their support. P

Hi, We've won (well almost) My wife recieved two letters today (9th June), one letter saying Lloyds going to carry on defending and the other letter says 'strictly without prejudice confidential' and that they are right but attached a letter with a settlement with terms and conditions. We're happy with what Lloyds are offering and are going to settle:) . Not sure about having a review of the account though, so will cross that out. So I guess all my wife has to do now is sign the letter and send it back to Lloyds solicitors along with a letter saying I want the money deposited in 7 working days. Can we do that? After the money is deposited we then write to the Courts and stop the proceedings? Any advice would be grateful? p

Hi Deano1000, I am also looking for Lloyds T&C's from 1995 for my wife, let me know how you get on and if I get hold of them I'll forward you copy. p

Hello Do I need to get a copy of the T&C's for 1995 which is when my wife opened the Lloyds account or do I only need it from 2003 to 2005 as that the period when the charges were made to her account? p

Littlep V Lloyds (claiming on behalf of my wife). Claiming charges of £320 (not inc interest or court fee) from Sept 2003 thru to Feb 2005. 1st Letter sent 28th Feb detailing the unfair bank charges – did not get a response. 2nd letter - LBA sent 15th Mar with schedule of charges showing date and amount - received standard letter from Lloyds saying ‘No’ to refund. Filled in Claim form on MCOL (using templates from MSE website, and I'm concerned the info I have given is not enough) Recieved letter saying transfer of court proceedings to Cambridge, dispensing with AQ. Phoned court to put in an amendment to the claim as I wasn't happy with what info I had given them. Lady from the court said don't bother unless I am asked to do so, and I can always give info at the hearing. Pre Trial review court date 30 July letter recieved 21st May. Hi, My wife recieved Notice of Pre Trail review letter on Monday (21st May)- TAKE NOTICE that the Pre Trial Review will take place on 30 July 2007 at 12:00PM at Cambridge County Court, etc etc When you should attend Please note: This case may be released to another Judge, possibly at a different court. So what do I do now; I printed off most of the things from the court bundle as suggested except for the important bit the Lloyds T&C's. My wife opened her account when she was around 16 yrs of age, 12 years ago. We don't not have copies of letters or information regarding fee's for going over drawn. Question is how do I get a copy of the T&C's way back to 1995 (or do I only need it from 2003 to 2005 as that the period when the charges were made) for the Lloyds SELECT ACCOUNT? Also just to throw the spanners in the works, my wife's boss will not allow her time off to attend as other members of staff are off that day. I've always said I would claim on her behalf and therefor fight in court if need be, so is this a problem (I will also have my father with me as he is familiar with court proceedings, my father didn't seem to think it would be a problem)? I need some advice please as what I should be doing now, thanks p

There was a 9 point defence attached to the transfer of court proceedings to the Cambridge Court. Is that what you mean? I'm taking your advice and going to start a new thread, I'll get the hang of this one day! Cheers p

Littlep V Lloyds (claiming on behalf of my wife) Claim Amount £320 (not inc interest or court fee) I used the Money Saving Expert website for letter templates and I am not sure if this was the best route. 1st Letter sent 28th Feb detailing the unfair bank charges – did not get a response. 2nd letter - LBA sent 15th Mar with schedule of charges showing date and amount - received standard letter from Lloyds saying ‘No’ to refund. Filled in Claim form on MCOL – I used Money Saving Expert for guidance filling in the form and I’m worried I’ve messed up. This is what I put; Between 08/09/03 and 7/05/05 the defendant debited numerous charges from the Claimants account. The charges are an unfair penalty under the Unfair Terms in Consumer Contracts Regulations 1999, because they are a disproportionately high sum in compensation compared to the cost of the purported breach. Under the law of penalties, the charges are an unlawful ‘extravagant’ penalty. Under the County Courts Act, the claimant is entitled to interest of 8% per annum from the date they were deprived of the money. This totals £63.13 accruing at the daily rate of 0.021% until judgment or payment. The Claimant asks the court to enter judgment in their favour for £320 plus interest, totalling £383.13. Court fee has been added so its £433.13. Issue date 02/04/07. I noticed a mistake a few weeks back but was told not to worry too much, I had put the wrong date 7/5/05 instead of 7/1/05. Since then we’ve had a letter saying Lloyds are defending claim. And last Wednesday 9th May we had a letter – Transfer of court proceedings to Cambridge County Court – AQ is dispensed with etc. We’re currently sitting and waiting to see what happens next. Should I have sent anything else to MCOL or Cambridge County Court? I got a horrible feeling my claim will be thrown out because it’s too vague as I have not put my wife’s account number in the claim and have not added a schedule of charges. But I did send Lloyds details of charges and wife’s account details in the letters before action. Should I be worried? (I worry too much, I know, and I should have mentioned all this earlier!)

Littlep V Lloyds (claiming on behalf of my wife) Claim Amount £320 (not inc interest or court fee) I used the Money Saving Expert website for letter templates and I am not sure if this was the best route. 1st Letter sent 28th Feb detailing the unfair bank charges – did not get a response. 2nd letter - LBA sent 15th Mar with schedule of charges showing date and amount - received standard letter from Lloyds saying ‘No’ to refund. Filled in Claim form on MCOL – I used Money Saving Expert for guidance filling in the form and I’m worried I’ve messed up. This is what I put; Between 08/09/03 and 7/05/05 the defendant debited numerous charges from the Claimants account. The charges are an unfair penalty under the Unfair Terms in Consumer Contracts Regulations 1999, because they are a disproportionately high sum in compensation compared to the cost of the purported breach. Under the law of penalties, the charges are an unlawful ‘extravagant’ penalty. Under the County Courts Act, the claimant is entitled to interest of 8% per annum from the date they were deprived of the money. This totals £63.13 accruing at the daily rate of 0.021% until judgment or payment. The Claimant asks the court to enter judgment in their favour for £320 plus interest, totalling £383.13. Court fee has been added so its £433.13. Issue date 02/04/07. I noticed a mistake a few weeks back but was told not to worry too much, I had put the wrong date 7/5/05 instead of 7/1/05. Since then we’ve had a letter saying Lloyds are defending claim. And last Wednesday 9th May we had a letter – Transfer of court proceedings to Cambridge County Court – AQ is dispensed with etc. We’re currently sitting and waiting to see what happens next. Should I have sent anything else to MCOL or Cambridge County Court? I got a horrible feeling my claim will be thrown out because it’s too vague as I have not put my wife’s account number in the claim and have not added a schedule of charges. But I did send Lloyds details of charges and wife’s account details in the letters before action. Should I be worried? (I worry too much, I know, and I should have mentioned all this earlier!) p

Hi Curlychic, I know you're right, and part of me wants to carry on fighting. So tell me what is needed if we do end up in court? All I have is online print outs of my wifes bank statements that show the charges. This I gather is not enough evidence. We don't have a court date as yet but I am assuming its the next step. Where can I get a copy of the LLoyds terms and conditions? What else do we need for Court? Advice pls... P

I am claiming on behalf of my wife who was horrified by the news this morning about Lloyds winning a case. We're so stressed at the moment with reclaiming charges and other things going on around us, not to mention my wife being unwell, that we're considering throwing in the towel. The stage we're at is Transferring of court proceedings to Cambridge. I paid £50 on MCOL to claim £380 (approx) against Lloyds via small claims court . What would happen if we were to give up now? Do I just lose the £50 and end of story or will it be even more painful than that? How do you go about stopping it? Please any advice would be grateful, Thanks p

Thanks Georgieboy, Phoned Cambridge County Court, the gentleman on the phone said I didn't need to do anything and that I should hear from them in a week. He mentioned something about the Judge will be be doing a pre trial review. Should I be worried ? p

Hi, Claiming £400 via MCOL from Lloyds (on behalf of my wife who is really stressing about this and wants this over with ASAP, so do I for a bit of peace ) I am really confused as to what I should be doing next; I recieved a letter on 9th May - Notice of Transfer Proceedings; The claim has been transferred to the Cambridge County Court. bit where it says and note the allocation questionnaire should be returned to Cambridge County Court is crossed through. The following page says; Without hearing it is ordered that:- 1. The filing of an Allocation Questionnaire be dispensed with in this case unless the district Judge at the court of transfer orders otherwise. Attached is a 9 point defence from Lloyds solicitors, and also attached is a Mediation Helpline leaflet. I've been reading the stuff about the Allocation Questionnaire being dispensed with and what to do next, but there is so much info on there I don't know what exactly I should be doing; Should I send the Cambridge Court and the Lloyds Bank solictors the Draft Order for Allocation letter and nothing else? And in the meantime get all the things that is requested of me together, and send within the 14 days. Somebody please guide me as its driving me nuts? Step by step instructions would be really handy cos I'm stupid ... LOL p

So I send the Courts and the defendants solictors the Draft Order for Allocation letter and nothing else. And in the meantime get all the things that is requested of me together, and send within the 14 days. Is this correct? p

Ok, I'm getting a headache reading all the info about AQ and I am still unsure on what I should be doing. So the advice is to sit and wait, correct? Sorry I feel I need someone to reasure me. p

Hi Jshrt3, Yes there are 9 listed points, I forgot to point out it also says on the Northampton County court page; NOTE: ANY PARTY AFFECTED BY THIS ORDER MAY UNDER RULE 3.3(5) APPLY TO HAVE IT SET ASIDE, VARIED OR STAYED. SUCH A PARTY MUST APPLY UNDER RULE 23.3 WITHIN 14 DAYS OF SERVICE OF THIS ORDER. What does this mean? Anything for me to worry about, do? How much longer will this go on, should I prepare a court bundle? p

Hi, I am claiming on behalf of my wife for around £400 inc the fee I paid on MCOL from LLoyds. I recieved the NOTICE OF TRANSFER OF PROCEEDINGS yesterday (9th May 07). It goes on to say; A DEFENCE TO THIS CLAIM HAS BEEN FILED. THE CLAIM HAS BEEN TRANSFERRED TO THE COURT COVERING AREA WHERE THE CLAIMANT LIVES. PLEASE READ THE ACCOMPANYING DOCS CAREFULLY and the where it says AND NOTE THAT THE ALLOCATION QUESTIONNAIRE S/B RETURNED TO CAMBRIDGE COUNTY COURT. this has been crossed out. Next page has - WITHOUT HEARING IT IS ORDERED THAT:- 1. THE FILING OF AN A\Q BE DISPENSED WITH IN THIS CASE UNLESS THE DISTRICT JUDGE AT THE COURT OF T-FER ORDERS OTHERWISE. The next page is DEFENCE AND COUNTERCLAIM (SPECIFIED AMOUNT). It basically says its disputes the whole claim. Its signed and dated the 26th April 07. Can someone tell me what I should be doing now, whats the next step? Any info would be grateful. Thanks p

Hi, We had a letter (recieved on 20th April 07) saying Lloyds are defending the whole claim and that they have 28 days to file a defence. What do I need to do now? We haven't recieved a AQ to fill in, should we be getting one, do I call MCOL about this? p

Thank you Empowered, I appreciated your quick response...

Hi, Had a letter from Lloyds defending the whole claim sent to us yesterday. I am claiming for around £380 on behalf of my wife. The fact they are defending has really worried us, and I am a nervous wreck now. I've just gone through the charges and I have spotted a stupid mistake, I've got my dates mixed up on one of the charges, I've put £60 charged on 7/05/05 instead of 7/01/05. I can't believe I didn't spot this before as I was sure I doubled checked the dates and amounts. Everything else is correct. What do I do? Is this a major problem? HELP! Please someone respond and tell me what I should do.